Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Chase currently has two great welcome bonuses for Ink business credit cards. These are the best ever offers on both cards and if you plan to apply, you should do so by this weekend. These offers are going away soon.
Welcome Bonuses
Chase is offering a $900 cash back bonus when you spend $6,000 in the first three months after signing up for either the Ink Business Cash® Credit Card or the Ink Business Unlimited® Credit Card. Considering that the cashback can also be used in the form of Ultimate Rewards, these bonuses could be valued as high as $1,500.
Both offers also come with a 0% Intro APR on purchases for the first 12 months. That can be a small bonus on its own, considering the current interest rates.
These are not only the best ever welcome bonuses we’ve seen offered by these cards, but they’re also great welcome bonuses in general. And to make things better, both cards come with no annual fee.
To unlock more value from these bonuses, it’s bet to pair these cards with Ultimate Rewards earning card such as Chase Ink Business Preferred, Chase Sapphire Reserve or Chase Sapphire Preferred. That enables you to convert the cash-back rewards on your Ink Business Unlimited Card to Chase Ultimate Rewards points. Points can then be used for travel for a value of up to 1.5 cents each, or you can transfer to travel partners.
Chase has 14 partner airline and hotel programs and transferring to them can be the best option to maximize the value of your points.
Here are the 1:1 ratio travel partners:
1:1 Transfer Ratio
Aer Lingus
Air Canada Aeroplan
British Airways Executive Club
Emirates
Flying Blue (Air France / KLM)
JetBlue
Iberia Plus
IHG Rewards Club
Marriott Bonvoy
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United Airlines MileagePlus
Virgin Atlantic Flying Club
World of Hyatt
You should familiarize yourself with a specific loyalty program before transferring your miles. You will not be able to transfer back into your Capital One Miles account.
Bonus categories
These are two different cards, so make sure you apply for the one that best suits your needs.
(The description almost sounds like only certain categories related to business purchases will qualify but actually these cards with earn rewards on all purchases.)
Small-business owners can add employee cards at no additional cost. You earn the same rewards through employee cards as you do with the primary card, so that will help you rack up points quicker. Plus you can set spending limits and categorize purchases by card.
Both cards also offer purchase protection and extended warranty protection. You also get auto rental collision damage waiver when you decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes.
It’s worth noting that these cards are not your best option for international travel as you will be charged a 3% foreign transaction fee.
Note:
These should be your first applications if you are still under 5/24. And since these are business cards, they won’t count towards your 5/24 count.
It’s possible to have more than one Ink business credit card.
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Editorial Disclosure: Opinions, reviews, analysis & recommendations are UponArriving’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The Southwest Rapid Rewards® Priority Credit Card is loaded up with some interesting benefits like a travel credit, upgraded boardings, and right now it comes with a very solid limited-time welcome bonus!
Let’s take a look at all of the features of this card to see if it might be worth it for you to jump on this offer while it lasts.
Southwest Priority Credit Card
First, here are some highlights for the Southwest Priority Credit Card.
3X on Southwest purchases
2X on local transit and commuting, including rideshare
2X on internet, cable, phone services, and streaming
25% back on in-flight drinks, WiFi, messaging, and movies
No foreign transaction fees
Earn tier qualifying points towards A-list Status
$149 annual fee
Not your typical premium card
When we think of premium travel rewards credit cards, it’s usually a card with a hefty $400+ annual fee that offers airport lounge access among other valuable travel perks.
But this card is different.
Southwest doesn’t have an airport lounge network so there’s no surprise that lounge access is not a perk here.
Instead, the additional value justifying the “semi-premium” price is going to come from the travel credit, upgrades, discounts, and the anniversary points.
These are benefits that could be very worthwhile to Southwest flyers but may not be as attractive to people who don’t normally fly Southwest.
I’ll discuss all of those in detail below.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Southwest Priority Credit Card Features
Welcome bonus
75,000 bonus points after spending $3,000 in the first 3 months.
Offer no longer available.
The 75,000 Rapid Rewards after spending $3,000 in the first three months is a great offer.
That puts you only 50,000 Rapid Rewards short of the Companion Pass requirements which you could easily meet by also going for a business card like the Southwest® Rapid Rewards® Premier Business Credit Card which is currently offering 60,000 bonus points after spending $3,000 in the first 3 months.
Just make sure that you hit your spend requirements after your December statement closes so that you can take advantage of this perk for as close to two years as you can get. (If you don’t want to risk anything, just wait until January of 2023 to meet your bonus.)
Bonus spending
3X on Southwest purchases
2X on local transit and commuting, including rideshare
2X on internet, cable, phone services, and streaming
Earning 3X on Southwest is solid but you might want to consider using a different Chase card for some of these categories.
That way, you can earn more points and have the added benefit of flexibility for transferring your points.
For example, I use the following Chase cards to rack up more rewards:
Chase Sapphire Reserve (3x on dining and travel)
Chase Freedom Unlimited (1.5X on every single purchase)
Chase Freedom Flex (5X on quarterly purchases)
Chase Ink Cash (5X on office supply stores, telecommunications)
$75 Southwest annual travel credit
The $75 Southwest annual travel credit can be used on airfare which essentially gives you a $75 discount every year if you fly Southwest.
Many people have also used this credit on gift cards although you probably always want to check on the latest data points before you do that.
The credit will automatically be applied to your account when your Southwest Airlines Rapid Rewards Priority Card is used for purchases (excluding Upgraded Boardings and inflight purchases).
Ultimately, this credit helps tooffset the $159 annual fee down to $84, which makes this card much more attractive.
7,500 anniversary points each year
The Southwest Priority Card earns 7,500 anniversary points each year on your account’s anniversary.
All of the Southwest cards offer anniversary points each year and this bonus is 1,500 more Rapid Rewards than what the Premier offers and 4,500 more than what the Plus offers.
If you value Southwest Rapid Rewards at 1.5 cents per point, then 7,500 anniversary points amounts to $112.50 in value received each year.
So with the $75 travel credit and the $112.50 in annual Rapid Rewards, that’s value at $187.50 received each year from the perks which already offsets the annual fee.
Four Upgraded Boardings per year when available
The Priority Card will offer you four upgraded boarding positions which are upgrades to Business Select boarding (A1-A15).
If you’re not aware, Southwest doesn’t offer a traditional business class or first class experience. They offer something called Business Select, which allows you to receive priority boarding.
This means you can grab the seats at the front of the airplane or within the emergency exit rows where the seats have a little more leg room or where you can grab a row with only two seats.
The amount of seats with more legroom/privacy depends on whether you’re flying on a 737-700 or 737-800. You can find out more information about the different types of seats in my Tips for Flying Southwest.
The amount of money it costs to upgrade depends on the length of the journey but you usually pay $30 to $50. So getting four upgraded boardings per year when available could be worth anywhere from $120 to $200. That’s quite a bit of value.
I know a lot of people don’t care for Southwest since there’s no true business class but I’ve always enjoyed upgrading and then grabbing one of the couple seats in the emergency exit row so Brad and I have our own row.
So I wouldn’t sleep on this benefit if you fly Southwest, but if you don’t usually fly with them, this isn’t exactly a very enticing upgrade benefit.
It’s worth noting that when you upgrade you’re usually not given the other Business Select perks like a free drink.
Also, unlike the cheaper Southwest cards you do NOT get the two free Early Bird passes.
25% back on in-flight drinks, WiFi, messaging, and movies
Even though your Southwest $75 credit is not good for in-flight purchases, they do offer you a 25% discount on many of these purchases which is nice.
No foreign transaction fees
Both the Southwest Premier and the Priority Credit Card do not come with foreign transaction fees.
Earn tier qualifying points towards A-list Status
You’ll earn 1,500 tier qualifying points (TQPs) for each $10,000 in purchases annually. There is no longer a limit on this earning potential!
TQPs can be used to count toward qualification for A-List or A-List Preferred status.
You need 35,000 tier qualifying points or 25 qualifying one-way flights per calendar year to qualify for A-List Status. A-List Members enjoy:
Priority boarding
Priority check-in and security lane access
25% more Rapid Rewards points earned on each flight (A-List Preferred receives a 100% bonus)
Free same-day standby
Dedicated A-List Member phone line
$149 annual fee
The Southwest Priority Credit Card comes with a $149 annual fee. Compare that to the Premier which has a $99 annual fee and Southwest Plus which comes with a $69 annual fee.
As you can see, it’s very easy to offset the $149 annual fee with the perks offered by this card.
Photo by Tomás Del Coro.
Not available to all
It’s important to remember the rules for Southwest credit cards that state:
This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card and Employee Credit Card products.
That last sentence is very important since the Business Southwest credit cards are excluded.
That means that if you’re striving for the Companion Pass then one of the best things that you can do is go for the business card and one of the personal cards.
Subject to 5/24
It’s also worth noting that the new Southwest Priority Credit Card is subject to Chase’s 5/24 rule, so if you’ve opened 5 or more credit cards in the past 24 months you won’t be eligible for the card.
Is it worth it?
The Priority Card’s benefits will clearly offset the annual fee for a lot of people, so I think it’s a great travel rewards card for Southwest flyers.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Sapphire Reserve® 80,000 Offer Available, Highest Since 2017!
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Chase Sapphire Reserve® 80,000 point offer
Offer no longer available.
The Chase Sapphire Reserve® is allowing you to earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months.
If you are new to credit card rewards chances are you should be well under 5/24 which means that you have not opened up five accounts in the past 24 months (that report to your personal credit report).
When you are under 5/24 (in the vast majority of cases) you should pursue Chase credit cards first to optimize your earnings with them.
Otherwise, you might end up ineligible for the best Chase cards (which also happen to be some of the best overall travel cards).
Also, to optimize your rewards you always want to time your applications so that you were jumping on some of the best available bonuses.
Because the Chase Sapphire Reserve® has an elevated bonus of 80,000 bonus points right now, which is the highest we have seen since its launch back in 2017, this would be a perfect time to jump on it.
The Sapphire Reserve® earns flexible Ultimate Rewards which can be transferred out to various travel partners at a 1:1 ratio.
These partners include the following.
Airlines:
Aer Lingus AerClub
Air Canada Aeroplan
Air France-KLM Flying Blue
British Airways Executive Club
Emirates Skywards
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club
Hotels:
IHG Rewards Club
Marriott Bonvoy
World of Hyatt
And when it comes to bonus points you can earn the following:
10X Chase Dining
10X on hotels booked through the Chase Travel Portal*
5X on airfare booked through the Chase Travel Portal*
3X on dining
3X on travel*
1X on all other purchases
*after the first $300 is spent on travel purchases annually.
Personally, I use the Reserve as my go to travel card because of the strong earning rate of 3X and the strong travel protections.
The annual fee is $550 but you can offset that with the $300 annual travel credit which can be used on a variety of purchases.
If you use Instacart, you can get a $15 per month credit all the way through July 31, 2024, after you activate which can further help offset the fee.
Additional perks like Lyft Pink and DashPass can also help provide even more value. And don’t forget about Instacart+!
Of course, you can always use the WalletFlo app to help you keep track of these perks and even to track the use and value you get out of them.
Be mindful of the Sapphire eligibility rules which could exclude you if you received a bonus in the last 48 months for a Sapphire card.
You can always use the eligibility checker in WalletFlo to verify your eligibility before applying.Learn how to apply!
Hyatt Keystone, CO.
Final word
It’s always great to jump on an offer that is one of the best and in this case we have not seen an offer break 80,000 points for this card since the launch back in 2017 when it had a 100,000 point bonus.
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Editorial Disclosure: Opinions, reviews, analysis & recommendations are UponArriving’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
How To Order Checks From Chase (Online, Phone, Prices) [2022]
Are you trying to order new checks or checkbooks from Chase?
Well, the process is very simple and it can be done online, over the phone, or even in-branch.
This article will show you exactly how to order new Chase checks step-by-step, and will also show you how to get custom designs and checkbook accessories
You can order your checks and checkbooks online by logging into your Chase account or you can order (personal and business checks) on the Deluxe website or by calling 1-888-560-3939.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Ordering personal checks from Chase
Log-in to your Chase account and then in the Bank accounts section click on “More,” for the account you wish to order the checks.
Then click on “Order checks & deposit slips.”
Make sure that your pop-up blocker or ad-blocker is disabled because a pop-up window needs to come up.
From this window you’ll be able to select the new checks that you’d like to order and personalize those checks if you wish.
Checkbook prices
Here are examples of check prices as of September 2022. Note that depending on the design that you go with, the prices could fluctuate.
Also, there are some types of Chase accounts that could offer free checks or discounted checks. For example, Chase Private Client offers free personal checks (and no fees for counter checks, money orders or cashier’s checks).
Single/Wallet
1 box: $20.00
2 boxes: $40.00
4 boxes: $80.00
Duplicate
1 box: $24.00
2 boxes: $48.00 4 boxes: $96.00
Single/wallet checks are top-bound, single part checks in a standard single/wallet format.
Duplicate checks are top-bound checks with carbonless duplicates for instant copies and fast, easy record keeping.
How many checks are in a box?
Most personal check designs have 100 checks per box.
(Mini-Paks have 1 pad of 25 checks per box.)
Design
There are a lot of design options that you can choose from, including:
High security
Animals
Charitable
Classic characters
Classical
Contemporary
Disney
Exclusives
Floral & Nature
Guideline
Inspirational
Mini-Paks
Scenic
Special Account
Sports & Leisure
Top Stub/End Stub
Warner Brothers
Check Imprint
You can choose the font for your check imprint (where your personal information shows up in the top left corner).
You can choose to put the following info on your checks:
Name
Address
Home phone
Work phone
Business Name
Miscellaneous Line
By the way, if you need a detailed breakdown on all of the different parts of a check, click here.
Check enhancements
Check Details
You can also choose which check number you’d like to start from but by default the system calculates the next logical starting number based on your previous order.
Symbol / Monogram
A symbol or monogram (also known as a woodcut), may be added to accent the look of your checks. These symbols appear in the upper-left hand corner.
Message
The message (or byline) adds extra character to your checks and is printed above the signature line. You can also choose to add an additional signature line.
Background Images
A background symbol may be chosen to enhance the look of your checks. These background symbols will appear as a shadow in the background.
Security features
You might be wondering what kind of security features your checks comes with.
Micro Printing
A line of type normally too small to photocopy clearly.
The words “Original Document” printed lightly so checks are more difficult to duplicate.
Heat Reactive Ink
Ink color fades when warmed by touch or breath. If copied, the color will not fade.
Padlock Icon
This symbol indicates that security features present in the check are described in the Warning Box on the back.
Personalized Microprint
The date line is your name and the check number, in tiny print that appears as a solid line until magnified. Microprint cannot be reproduced by a copier.
Chemically Sensitive Paper
Stains or spots may appear if a fraud perpetrator uses chemicals to alter handwritten information on your checks.
Fraud Warning
Indicates that high security features are present to deter fraudsters.
Chemical Wash Detection Area
Chemical alteration attempts result in stains or discoloration in this area.
Original Document Back Pattern
Deters cut-and-paste alteration attempts.
Additional products
You’ll also be able to order additional products like leather checkbook covers, labels, debit card covers, debit card registers, name and address stamps, and checkbook registers.
Payment
When you place an order for checks, a third-party entity authorized to act as an ACH Originator makes a deduction from your account for the total amount, including any additional fees for expedited delivery, processing, and services.
This will appear on your bank account as an “ACH” fee.
Delivery time
Allow 10-14 days for production and standard delivery.
If you want your checks sooner, there are express delivery options available for most products. Orders with expedited delivery methods placed later in the day may be produced and shipped the next day.
Ordering business checks from Chase
You can order checks on the Deluxe website or by calling 1-888-560-3939.
Make sure you know your routing/transit and account numbers as you’ll need to supply those.
The ordering process on the Deluxe website is very similar to what is above — you can choose the same type of customized options.
In-branch
You can also order both personal and business checks by visiting a Chase branch.
Chase Counter checks
If you need Chase counter checks (temporary checks) it will only cost you $3 per page if you have a Chase Total Checking Account (or equivalent).
Each blank page consists of three personal checks that Chase prints out on the spot.
Just to be on the safe side, you might want to call up the branch before you to visit them just to make sure that they have counter checks available. If they do, don’t forget to bring your ID and possibly a debit card with you to the branch so they can look up your account easier.
Also remember that some merchants don’t like to accept counter checks due to fraud concerns. You can always inquire with the merchant about that beforehand.
Note: counter checks are different from Cashier’s Checks which are $10.
If you want to find out more about bank fees for Chase Total Checking Accounts click here.
Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!
Changing your address
You can change the address on your checks as part of the ordering process, but this doesn’t change your address in the Chase system.
So you’ll need to make sure to change your address directly with Chase which you can do at 1-800-935-9935 or by visiting a Chase branch so they can update your address.
Chase credit cards
If you’re interested in pursuing Chase credit cards you should read my guide here.
Ordering Checks From Chase FAQ
How much do checks cost from Chase?
The price of your checks can change based on the type of designs you choose but you can expect pay around $20 to $25 per box.
How many checks come in one box?
Most personal check boxes come with 100 checks.
Do Chase checks come with security features?
Chase checks can come with lots of security features which include things like micro printing, heat reactive ink, chemically sensitive paper, fraud warnings, and other features.
How can I pay for my checks?
You can pay for your checks by authorizing an ACH transfer directly from your bank account.
How long does it take to receive your checks?
You should allow about 10 to 14 days for your checks to be delivered with a standard delivery.
If you need checks sooner than that you can order express delivery which may be produced and shipped the next day.
Can I get counter checks?
Yes, you can get counter checks from Chase. These are issued three checks per page which will cost you $3.
Final word
Ordering Chase checks and check books isn’t difficult at all and it can be done online, over the phone, or in-branch. If you’re not ordering directly through Chase, be sure to take down your routing number and account number so that you can fill out the forms properly.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
The Chase Sapphire Reserve is one of the hottest premium credit cards with a number of solid perks, including Priority Pass airport lounge access. I’ve used its Priority Pass membership a countless number of times and it is still one of the few cards that I always keep in my wallet.
But what exactly can you expect with Chase Sapphire Reserve lounge access and what access do guests get?
This article will explain everything you need to know about the Sapphire Reserve’s lounge access policy for cardmembers and guests. I’ll also show you how to find a list of Priority Pass lounges in the US and around the globe and offer up some alternative options for lounge access.
What is the Chase Sapphire Reserve airport lounge access policy?
Priority Pass offers different types of memberships but the type of membership given to Chase Sapphire Reserve holders is Priority Pass Select, which is essentially the equivalent of “Prestige” which would normally cost you $400 and wouldn’t even allow free guests. So this is an extremely valuable perk just in terms of its monetary value.
Considering that the annual fee for the Reserve is $550, and that you can use the $300 travel credit and $60 DoorDash credit to offset that annual fee down to $190, it is like getting a $400 membership for well under $200 (assuming you take advantage of other perks of the credit card).
Priority Pass membership tiers.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Priority Pass lounges vary in quality and services offered.
Some Priority Pass lounges might offer clean showers, hot food items, complimentary alcohol, modern decor, spacious multi-floor seating, and inspiring views of the tarmac. At these lounges you will be loving life and at peace with the universe (even with flight delays).
Other Priority Pass lounges may consist of merely a large, dim room with canned sodas, chips, and some painfully slow internet. At these lounges you will not be living life and not be at peace with the universe (and yes, flight delays will have you questioning your life choices).
Still, even though the quality differs among Priority Pass lounges, I’ve been overall pleased with my Chase Sapphire Reserve lounge access, especially while traveling abroad. I’ve visited some very nice lounges that have offered me some crucial rest when I needed it the most. The key is to always do research so that you know if you will have a lounge at the airport you are traveling through.
Bidvest Premier Lounge in Cape Town, South Africa.
Chase Sapphire Reserve Priority Pass guest policy
The Chase Sapphire Reserve was unique when it was released in that it offered Priority Pass access to the cardholder and to every guest traveling on the same itinerary.
Yes, you could walk into a lounge with 10 other people and everybody could get in as long as you were all on the same travel itinerary. So as you can probably imagine people abused this benefit to death. Literally.
Chase ended up revising their policy so that card holders were limited to only two guests per visit, which is the current policy.
It’s worth noting that most lounges have their own policy when it comes to allowing folks in. Typically, they will follow the guest policy attached to your membership but at times, “due to capacity,” they could limit the entrance of guests.
Heck, they could even turn you, the cardmember, around and not allow you to enter the lounge if they are too full. Some lounges will have dedicated hours when Priority Pass members are not given access so watch out for those, too.
There are quite a few restaurants that are part of the Priority Pass lounge network. At these restaurants, you can get a credit of around $30 that you can use toward food or beverages which is quite nice.
Some cards with Priority Pass do not allow you to receive these credits for these restaurants but with the Chase Sapphire Reserve you definitely get these credits.
How it works is that you scan your Priority Pass card or app and then scan your boarding pass at the beginning of your meal. Sometimes the server will ask you if you are a Priority Pass member but other times you can just call it to their attention.
They should clarify the amount of your dining credit and then you simply can order whatever you want and apply that credit to food or drinks. The only thing you can’t apply the credit to is tips.
Hitting up these restaurants is great at airports that don’t have lounges or even at airports that do have lounges but are overran with other guests.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Priority Pass restaurant in Tucson Airport.
Accessing arrival lounges or lounges upon arrival
Some Priority Pass lounges will allow you to access the lounge when you arrive at the airport so you don’t always have to be departing.
For example, let’s say that you fly from Seattle to Los Angeles. When you arrive in Los Angeles, it is possible that you could get access to a Priority Pass lounge. Lounges may not always allow folks to enter when they are arriving so you can’t always count on this.
Then there are also arrival lounges — these are lounges that are dedicated to passengers arriving at the airport and of course you will be allowed in if that lounge is a part of the Priority Pass network.
Priority Pass arrivals lounge at SIN.
Do authorized users get Priority Pass?
Each authorized user will get their own Priority Pass so they can get access into airport lounges along with two additional guests. The annual fee for each authorized user is $75 so you could consider this a heavily discounted Priority Pass membership.
You cannot forget to activate your Priority Pass membership after you get approved for the Sapphire Reserve because it does not automatically get activated. If you forget to activate, not only will you not have a lounge membership but you will officially be a Reserve newb.
Once you have your Sapphire Reserve online account setup, log-in and go to Ultimate Rewards.
Form there, click on “Card Benefits” and then the “Activate Now” button. That will activate the benefit for you and any authorized users you have added to your account.
Your membership will remain active until you close the card.
If you add your authorized user after activating the card for yourself, just call in to Chase and let them know what you’re trying to do.
Remember to bring your Priority Pass Card!
Merely holding the Sapphire Reserve credit card in your possession will not be enough to get you access into the lounge. For this reason, I always advise people to bring along their physical Priority Pass card which gets mailed out to you.
And although it’s possible to gain access with the app (“the digital membership card”), not all lounges will take the digital card. And there is always the chance that their computers are not working properly or something along those lines.
Here is what Priority Pass states about bringing your card:
All lounges accept the physical membership card and the majority of our 1300+ lounges also accept the Digital Membership Card. To avoid any disappointment, we recommend you always carry both cards with you when traveling.
So I always try to keep my physical card on me when traveling. It’s just good practice.
What if I forget my card?
If for some reason you forget to carry your Priority Pass card with you, you can charge the lounge access on your Sapphire Reserve and Chase might reimburse you for the expense. Keyword “might.”
I’ve been told they will do this, but I would not 100% rely on this (especially more than once) because this sounds like something where your mileage could vary.
If you do end up doing this, simply call the number on the back of your card or send them a secure message explaining to them how you misplaced or forgot your card and how you would like to request a reimbursement for the lounge entrance fee. And then cross your fingers.
Other lounge memberships
It’s worth noting that only approximately 5% of Priority Pass lounges are located inside the US. Yes, you heard that right only 5%.
And while there are more Priority Pass lounges popping up all the time, many feel that the domestic lounges are much too crowded.
Therefore, if you want to maximize domestic airport lounge access with credit cards, you might want to consider some other options. Below are a couple of options that will have you relaxing stress-free in some great lounges all around the US.
American Express Centurion Lounges
My favorite lounges to visit when traveling in the United States are the American Express Centurion Lounges. These are definitely some of the nicer domestic lounges and you can typically find the following features:
Hot food items
Complementary quality cocktails
Showers
Quality service
Free Wi-Fi
Swanky decor
Some even have spas
You can only get access to these lounges if you have a qualifying card.
Qualifying cards include the American Express Platinum Card, the Business Platinum Card, and the Centurion Card, also known as the American Express Black Card.
The Platinum Card comes with a Priority Pass membership but it does not offer you access to Priority Pass restaurants in airports which is a bit of a bummer (you get a host of other lounge memberships though).
The annual fee for the Platinum Card is $695 which is expensive but you can offset this annual fee with several credits like the $200 airline credit, $200 Uber credit, and $100 Saks credit. Also, the Platinum Card is simply loaded with additional benefits and you can read more about those here.
Hong Kong Centurion Lounge.
Co-branded credit cards
Maybe you are more of the loyal type and interested in getting airport lounge access with just one airline. For example, maybe you live next to a United hub and frequently pass through that airport. In that case, maybe you would be interested in getting a United Club membership?
Well, you are in luck because you can use cards like the United Club Card to get an annual membership into United Club lounges.
Other airlines like Delta and American Airlines also have credit cards that will offer you lounge access.
Sapphire Reserve airport lounge FAQ
What are Priority Pass lounges?
Priority Pass lounges are part of a global network of airport lounges that number over 1,300. At these lounges, you might find clean showers, hot food items, complimentary alcohol, modern decor, and inspiring views of the tarmac.
How many guests can you bring into a Priority Pass lounge?
You are allowed to bring in two additional guests for free.
Do you get access to Priority Pass restaurant credits?
Yes, you can often receive a $30 credit that you can use toward food or beverages.
Do you have to activate your lounge membership?
Yes, you will have to activate your Priority Pass membership after you get approved for the Sapphire Reserve.
Final word
Overall, the Chase Sapphire Reserve lounge access is solid in that you get Priority Pass Select along with restaurant access and guest access. But, if I were primarily concerned with lounges, I’d look heavily into the Platinum Card since it offers broader access to other lounges.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
100K Avios offers: How to Use Them & What to Know
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Avios have always been one of the most useful currencies to have when putting together award travel.
I’ve always been able to find a use for them pretty much wherever I go and there usually is pretty good value to be had with them, too. Plus, they are usually easy to search and book with, which can sometimes be half the battle.
With some 100K Avios offers floating around you might be wondering what type of use these points could have for you so let’s take a look!
Summary: There are several 100K bonuses for Avios which are airline miles that can be used on domestic airlines like American Airlines and Alaska Airlines as well as many great international partners. Many redemptions come with great value and low fees.
Current 100K Avios offers
You can currently earn up to 100,000 Avios with these different bonuses:
British Airways Visa Signature® Card – Earn 75,000 Avios after you spend $5,000 within the first three months; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Aer Lingus Visa Signature® card – Earn 75,000 Avios after you spend $5,000 within the first three months of account opening; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Iberia Visa Signature® Card– Earn 75,000 Avios after you spend $5,000 within the first three months of account opening; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
My take:
These are technically the highest public welcome bonuses for these cards but the high spending requirement knocks down the attractiveness.
75,000 Avios for $5K in spend is great but the the additional 25K points for $20,000 spend is a tall order for most.
This might be a tiered bonus where you just settle for the 75K, especially if you can supplement your Avios with points from other programs.
But it also might be a “no left overs” bonus if you can spend a lot since each card will offer you a special perk for spending $30,000.
There is a ton of minutia that we could cover for Avios but if you’re just looking to get the fundamentals down, here’s what you need to know:
1. Avios can be transferred between airlines
You can transfer Avios between British Airways, Iberia, Aer Lingus, and Qatar. (You can also pool points together with household members.)
To make transfers, your accounts need to be active for 90 days which is why I recommend people to immediately create accounts with all four programs. Might as well be prepared.
2. Avios bank transfer partners
British Airways is a transfer partner of Chase, American Express, Capital One, and Marriott. (Citi transfers to Qatar so it’s essentially a British Airways partner, too.) This makes it very easy to supplement your Avios with bank bonuses.
Consider adding to your Avios balance with these offers:
Citi Premier® Card: Earn 80,000 ThankYou Points after you spend $4,000 in within the first 3 months
Things can get a little bit confusing because each Avios program has its own award chart with off-peak and on-peak awards.
The award charts have zones and things get a little funny with the zones due to all of the tinkering they have done.
Then there are also separate partner award charts.
To simplify things below, I’m just gonna show you what would be possible if you were using British Airways Avios. I’ll also leave out the award charts for now.
4. Watch out for fees
When flying on British Airways, fees can sometimes get high, especially with business and first. Try to avoid ending up in London if possible.
5. Look for non-stop flights
You want to try to book nonstop flights as much as possible.
That is because you have to pay for each segment individually. One connection could easily add thousands of miles to your redemption cost. Two connections could nearly triple your cost.
6. Transfer bonuses
You can often find transfer bonuses from the banks to the different Avios programs.
Because you can transfer points between programs, a bonus to one program is essentially a bonus to all. Right now, WalletFlo promos shows Chase has a 30% transfer bonus that ends at the end of July 2022.
My personal preference for using British Airways Avios is to use them on short to medium non-stop flights.
Long-haul flights can be doable especially because British Airways is a transfer partner of major programs so it’s pretty easy to build up a balance with them. Plus, there are some long-haul Avios sweet spots out there.
But generally, the short to medium haul flights is where it’s at for me.
I’ll walk you through some redemptions below so that you can get a sense of the value potential. I’ll show you flights within the US and also some international redemptions as well.
You can use your Avios to book flights in the US on partners like American Airlines and Alaska Airlines. In fact, these can be some of the best ways to use Avios.
Here’s a look at the single partner mileage requirements for North America flights:
Flights between 1-650 miles:
Economy: 7,500 Avios
Business: 15,000 Avios
Flights between 651-1,151 miles
Economy: 9,000 Avios
Business: 16,500 Avios
Flights between 1,152-2,000 miles
Economy: 11,000 Avios
Business: 22,000 Avios
Let me show you some examples of these prices in action.
Domestic flights
For only 16,500 Avios you could fly business class one way from New York to Miami. For 22,000 Avios you could get between Chicago and Los Angeles in business class. The latter is a $600+ flight so in terms of value that’s about 2.7 to 3 cents per mile.
Hawaii
Both American Airlines and Alaska Airlines fly to Hawaii. On my very first search from Phoenix to Maui, I found an economy flight with seven seats available for only 13,000 Avios each! Those flights can go for $490 one way so depending on your flight preference that redemption can get you about 3.7 cents per mile.
Head to Hawaii on Avios.
Alaska
Maybe you want to break away from the heat and hop around Alaska?
Taking advantage of the zone one pricing, you can get from Anchorage to Juneau, Alaska, for 7,500 Avios.
You can often find those flights for around $250 in peak season which means that you’d be getting about 3.3 cents per mile, which is a great redemption value for economy. Even the lower prices offer over 2 cents per mile.
International examples
Avios can also be a great way to get around other parts of the globe. Let’s take a look.
Europe
For 15,000 Avios you could fly from London to Milan, Italy, in business class. That’s a flight going for $331 so your cents per mile comes out to 2.2.
That value is not quite as high as other redemptions but paying $1 in fees to get to Rome? I’m always down for that.
If you wanted to fly Qantas from Sydney, Australia to Melbourne, Australia, you could use 12,500 Avios + $27.20. Those business class flights go for about $530 so that is about 4 cents per mile. Not bad at all.
Also, 11,000 Avios + $118.40 can easily get you from Sydney to New Zealand.
If you find yourself on the continent of Asia, Avios can be a pretty great way to get around between different countries.
Take a look at this premium economy redemption between Hong Kong and Bangkok on partner Cathay Pacific. It’s going for 18,000 Avios and that flight could cost you $750. That’s about 3.7 cents per mile.
You could fly from Paris to Doha en route to places like the Maldives for 43,000 Avios in business class. Factoring in the $190 in fees, that still comes out to about 8.3 cents per mile which is definitely outsized value.
So as you can see there are lots of uses for Avios.
I generally always have some Avios in the reserve that I tap into whenever I need to complete a trip especially if it involves connecting legs that I can’t cover with other miles.
British Airways Visa Signature® Card – Earn 75,000 Avios after you spend $5,000 within the first three months; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Aer Lingus Visa Signature® card – Earn 75,000 Avios after you spend $5,000 within the first three months of account opening; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Iberia Visa Signature® Card– Earn 75,000 Avios after you spend $5,000 within the first three months of account opening; earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Editorial Disclosure: Opinions, reviews, analysis & recommendations are UponArriving’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Great limited time offers (80K & 75K)
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Right now, there are a few great offers you might be interested in entertaining. All of these are limited time offers with one expiring very soon on June 1.
Below, I’ll give you some insight into these offers and provide some tips for deciding on whether or not these cards are for you at the moment.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is allowing you to earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months. This offer is set to expire on June 1 at the end of the day.
[Offer Expired]
If you are new to credit card rewards chances are you should be well under 5/24 which means that you have not opened up five accounts in the past 24 months (that report to your personal credit report).
When you are under 5/24 in the vast majority of cases you should pursue Chase credit cards first to optimize your earnings with them. Otherwise, you might end up ineligible for the best Chase cards (which also happen to be some of the best overall travel cards).
Because the Chase Sapphire Preferred® Card has an elevated bonus of 80,000 bonus points right now this would be a perfect time to jump on it.
The Sapphire Preferred earns flexible Ultimate Rewards which can be transferred out to various travel partners at a 1:1 ratio.
These partners include the following.
Airlines:
Aer Lingus AerClub
Air Canada Aeroplan
Air France-KLM Flying Blue
British Airways Executive Club
Emirates Skywards
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club
Hotels:
IHG Rewards Club
Marriott Bonvoy
World of Hyatt
And when it comes to bonus points you can earn the following:
5X on travel booked through the Chase Travel Portal
3X on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs)
2X on all other travel purchases
1X on all other purchases
Be mindful of the Sapphire eligibility rules which could exclude you if you received a bonus in the last 48 months for a Sapphire card.
You can always use the eligibility checker in WalletFlo to verify your eligibility before applying.
Hyatt Keystone, CO.
Southwest credit cards Limited-time offers
The Southwest credit cards offered by Chase just got elevated bonuses. Here’s a look at the highlights of each card and their new bonuses.
Offers no longer available
Southwest Rapid Rewards® Plus Credit Card
Earn 75,000 bonus points after spending $5,000 in the first 3 months.
3,000 bonus points on each anniversary
2 EarlyBird Check-In each year.
$69 annual fee
Southwest Rapid Rewards® Premier Credit Card
Earn 75,000 bonus points after spending $5,000 in the first 3 months.
6,000 bonus points on each anniversary
2 EarlyBird Check-In each year.
$99 annual fee
Southwest Rapid Rewards® Priority Credit Card
Earn 75,000 bonus points after spending $5,000 in the first 3 months.
7,500 bonus points on each cardholder anniversary
4 Upgraded Boardings per year when available
$75 Southwest travel credit each year
$149 annual fee
These 75,000 point bonuses are some of the best offers you’ll see for these cards. Spending $5,000 in three months is a little bit high but still doable for a lot of people.
The Southwest Rapid Rewards® Priority Credit Card is my pick because we almost always upgrade our boarding passes to Business Select in order to take advantage of better seating. It’s also incredibly easy to justify the annual fee when you utilize the $75 credit and the 7,500 anniversary points.
You cannot get more than one personal Southwest card but if you picked up a personal card AND a business card, you could earn enough points (125,000) for the Southwest Companion Pass.
For example, the Southwest Rapid Rewards® Premier Business Credit Card is offering 60,000 points after you spend $3,000 on purchases in the first 3 months.
Offers no longer available
Together with a personal card that would net you over 135,000 points when you meet the minimum spend.
The Southwest Companion Pass is a pass that allows a companion to fly for free with you on Southwest flights for up to two calendar years — it’s generally considered one of the most valuable travel perks available.
With one person flying free (only responsible for fees) those 135,000 points could take you really far.
Earning the pass now would allow you to take advantage of that pass for nearly one and a half years.
But if you wanted to try to optimize for the full two years you would be better off waiting until the end of the year to pursue the Companion Pass.
Remember, you can always use the eligibility checker in WalletFlo to verify your eligibility before applying.
Final word
These are some great offers and you’ll definitely want to think about applying for these if you fall into certain groups.
Advertiser Disclosure: UponArriving has partnered with affiliate partners and may receive a commission from card issuers. UponArriving does not display all credit card offers and affiliate relationships may impact how offers are presented.
Editorial Disclosure: Opinions, reviews, analysis & recommendations are UponArriving’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase ATM Daily Withdrawal Limit Guide: (Resets and Increases) [2022]
ATMs are extremely convenient and allow you to withdraw cash as well as make deposits with both cash and checks. But banks set certain limits for your withdrawals and Chase is no different. In this article, I’ll tell you everything you need to know about Chase daily ATM withdrawal limits, including when they reset, how to get increases, and how to avoid certain fees. I’ll also cover making ATM deposits as well.
What is the Chase daily ATM withdrawal limit?
For many Chase checking accounts your withdrawal limit will be $500 to $1,000 per day and your purchase limit will be $3,000 to $7,500 per day. However, you can take advantage of higher withdrawal limits by going in-branch during business hours.
If you actually go to a Chase branch while it’s open during business hours you can usually withdraw much higher limits from the ATMs. In my case, my usual $500 daily limit goes all the way up to $3,000 so the limit can be substantially higher.
Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!
The in-branch limit is separate from the non-branch ATMs. So you should be able to withdraw $3,000 from inside a branch and then head over to a Chase ATM machine (not located at a branch) and withdraw another $500 since the limits are separate.
However, the in-branch limit applies across all of your Chase debit cards so it wouldn’t be possible for you to withdraw $3,000 with one Chase debit card in-branch and then to go back to Chase and attempt to withdraw $3,000 in-branch with debit card #2 on the same day.
Also, keep in mind that the Chase ATM withdrawal limit varies based on the type of Chase checking account that you have and possibly on the state that you opened up your account in. For the most accurate information, simply call the number on the back of your Chase debit card for more information. But if you’d like to see what the limits are for some Chase checking accounts keep reading.
When does the Chase ATM withdrawal limit reset?
The Chase ATM withdrawal limit will be reset every 24 hours so you’ll be able to withdraw $500 or $1,000 on consecutive days if you’d like. The exact time that the reset takes place is at midnight Eastern Standard Time(EST) so plan your withdraws accordingly.
I have heard of people successfully double dipping on an ATM withdrawal by waiting for the clock to turn midnight and then making a withdrawal shortly after.
What is the international withdrawal limit?
The the international withdrawal limit should be the same as the limit you have at home. But keep in mind that you’ll be charged fees for the foreign transaction unless you have a certain type of account like Chase Private Client or Sapphire banking.
If you are traveling out of state like from California to New York, you should also have the same withdrawal limits for ATMs. In some cases, you might be limited to lower limits at non-Chase ATMs. For example, you could be limited to $500 for non-Chase ATMs if your limits would otherwise be at $1,000. So once again, it’s a good idea to call the customer service number on the back of your debit card for more details.
Chase withdrawal limit increase
It is possible for you to get a withdrawal limit increase with Chase. These can happen in two different types of ways.
The first is that you are given a temporary increase. These are handy when you only need to pull out more for a big event or some other type of spending need. Getting a temporary increase usually isn’t that difficult, especially if you can provide Chase with a specific reason for why you need it.
The second type of increase is a permanent increase. In order to get a permanent increase you’ll likely need to keep a certain amount of funds in your bank account (such as $1,000 every day). Thus, these type of increases will be a little tougher to get.
The amount that you can get increased to varies by customer. In some cases you might be able to increase your daily limit from $500 to $1,000 but in other cases it might be a smaller or larger amount.
If you’re able to sign-up for a Chase Sapphire banking account or Chase Private Client account you can also get higher limits for your withdrawals. For example, with Chase Private Client you might be able to pull out up to $2,000 or even $3,000 depending on the location. Also, your daily purchase limit will likely be higher at around $7,500.
Other options with higher limits include the Premium Platinum Debit Card with limits of $3,000 at Chase ATMs.
If you’d like to request a higher limit simply call the Chase customer service phone number at: 1-800-935-9935.
If you have one of the student cards issued by Chase like a High School debit card your limits may be much lower. For example, your withdrawal limit might be capped at $500 and your purchase limit might be even lower. Some cards for students are strictly ATM cards and can’t be used on purchases at all so keep that in mind.
Non-ATM (teller) withdrawals
Remember that you can always go in-branch to a teller for withdrawing money out of your bank account. If you bypass the ATMs and deal directly with a teller, you should not have any limits on the amount that you can withdraw.
And if you can’t make it to a bank, consider going into a place like a grocery store to pull out cash back after your purchase. Many people but something like a drink or pack of gum and then request cash back. Just be aware that you’ll be limited by how much cash back you can get.
Chase bank withdrawal ATM fees
If you have a standard Chase Total Checking account you’ll have to pay fees for non-Chase ATMs. These are ATMs that do not have Chase branded on them and belong to other banks. However, you can avoid some of these fees with other account types and you can read more about those below.
Keep in mind that just because you are not charged a fee from Chase, that doesn’t mean you’re off the hook. The ATM owner may still impose a fee on you (although again you can get this refunded with certain types of accounts like Sapphire and Private Client).
Chase Total Checking
$2.50 ($3 effective 6/12/2022) for any inquiries, transfers or withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
$5 per withdrawal and $2.50 ($3 effective 6/12/2022) for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands.
Chase Premier Checking
$0 for the first four inquiries, transfers or withdrawals each statement period at a non-Chase ATM. Fees from the ATM owner still apply. A Foreign Exchange Rate Adjustment Fee from Chase will apply for ATM withdrawals in a currency other than U.S. dollars.
$2.50 ($3 effective 6/12/2022) for any additional inquiries, transfers or withdrawals over four while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
$5 per withdrawal and $2.50 ($3 effective 6/12/2022) for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands (the $5 withdrawal or $2.50 Transfer or Inquiry Fee can be waived as part of the first four inquiries, transfers or withdrawals). Fees from the ATM owner still apply.
Chase Sapphire and Private Client
No withdrawal fees worldwide
Find a Chase ATM
If you’re looking for a Chase ATM you can find one near you here. Some ATMs might be cardless which means that you can use a mobile wallet like Apple Pay, Samsung Pay, or Google Pay to make transactions at Chase ATMs. Look for the cardless logo to see where these are located.
In addition to withdrawing funds, you can also deposit checks and cash at Chase ATMs. Many of the ATMs are open 24 hours a day so this is a great way to deposit your funds at all hours (though remember that you can use the Chase mobile App to make deposits as well).
You can also make transfers, view your balances, see your recent transactions and in the future you will be able to make payments to your credit card.
Chase ATM deposit limits
The limits for depositing at ATMs are as follows: you can deposit up to 30 checks and 50 bills at a time at select ATMs. If you need to order Chase checks or find out more about ordering those checks you can click here. Also, if you need to find out more about how to make transfers with Chase Quick Pay read on here.
Keep in mind that if you make a deposit with a check, you may only have limited access to your funds the next day. For example, you might only have access to $200 the next day until your check clears.
Chase ATM Withdrawal Limit FAQ
What is the most I can withdraw from a Chase ATM?
The standard withdrawal limit for Chase ATMs is $500 to $1,000 per day.
However, if you have a premium bank account you might be able to withdraw higher amounts ranging from $2,000 to $3,000.
How can I increase my withdrawal limit?
By going inside a Chase branch during business hours you can typically withdraw much more than your daily limit from an ATM.
You can also call Chase and request a temporary increase in your ATM withdrawal limit.
How can I find out my withdrawal limit?
Because different accounts have different limits, the best way to find out your withdrawal limit is to call the number on the back of your debit card.
When will my withdrawal limit reset?
The withdrawal limit will reset at midnight Eastern standard time.
What is the limit for international ATM withdrawals?
The limit for international ATM withdrawals will likely be the same as the limit in the US.
How much can I withdraw from the bank?
If you are withdrawing funds from a bank teller at a Chase branch then you should not have any limit on the amount you can withdraw.
How much are the non-Chase withdrawal ATM fees?
The fees will depend on the type of bank account you have opened.
Certain types of accounts such as Chase Sapphire and Private Client will not charge you ATM fees for using non-Chase ATMs.
But for a standard account, you will be charged $2.50.
Chase has some pretty standard limits for ATM withdrawals. But if you’d like to up your limits you can also make a special request to a customer service agent and possibly get your limits increased from $500 to $1,000. Also, some Chase accounts allow you to have higher withdraw limits and also come with lower fees, so check those out.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
How to Get Chase Debit & Credit Card Designs (Disney Discounts) [2022]
Sometimes it’s nice to add a little bit of a personalized touch to your debit and credit cards to keep things interesting. And it’s even nicer when this comes with the added plus of additional discounts and perks that can save you money on things you love like travel.
In this article, I’ll tell you everything you need to know about custom Chase debit card designs, including all your different options and how they can offer you special savings. I’ll also show you which Chase credit cards come with custom deigns as well.
What type of Chase debit card designs can I get?
Chase offers several different types of debit card designs that you can choose from.
The catch is that all of them are Disney inspired so hopefully you are a fan of the Mouse.
If you’re looking for sports teams you can’t get that with Chase, and other issuers have dropped sports-related card options like Bank of America with MLB and Barclays with the NFL. You might still be interested in the Marvel credit card, though.
Below are the different types of custom debit card designs that you can choose from with Chase. Note: Disney Visa Debit Cards are not available for Chase High School Checking and Chase Access Checking accounts.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Mickey Mouse debit card
Disney Cinderella’s Castle debit card
Frozen debit card
Star Wars — Darth Vader debit card
Star wars — BB-8 debit card
Mickey Mouse Gang debit card
Disney Debit card discount perks
With the Disney debit cards, it’s not just about getting a custom design to showcase your Disney loyalty, either.
You can actually enjoy some additional discounts and save some cash money.
These discounts come with a lot of exclusions and terms and conditions so be sure to read up on the terms so that you know for sure if you’ll be eligible for the discount.
With the Disney debit cards, you’ll be able to get the following benefits:
Disney store discount
Save 10% on select purchases at Disney store and shopDisney.com.
At the shopDisney, you can find all sorts of different products like apparel, toys, accessories, and even products for your home.
Also, if you’re looking for things like Disney costumes for your kids this could be a great place to find them. Sometimes you can even find free shipping which makes this discount even more valuable.
Photo perks at Disney
Cardmember-exclusive Character Experience photo opportunities with Disney or Star Wars Characters, held in private locations at Walt Disney World Resort and the Disneyland Resort.
Entry is good for up to 6 people per cardmember account and each cardmember account may be used for entry only one time per day.
Offer includes complimentary downloads of your Disney PhotoPass photos taken at the Disney Visa Character Experience location that are associated to your Disney account.
Picture downloads may cost $14.95 so this could be an easy way to save a pretty substantial amount of money, especially if you will be downloading pictures for up to six people. (Keep in mind that Disney does offer special passes like MaxPass that allow you to download unlimited photos.)
Discounts on merchandise
10% off select merchandise purchases of $50 or more at select locations at Walt Disney World Resort and the Disneyland Resort
Discounts on dining
10% off select dining locations most days at Walt Disney World Resort and the Disneyland Resort.
Offer excludes alcoholic beverages, select new food and beverage offerings, merchandise, tobacco, room service, holiday buffets, tax and gratuity.
You can get discounts at some of the most popular dining destinations in the parks like:
Kona Cafe (Disney’s Polynesian Village Resort), Tiffins (Disney’s Animal Kingdom Theme Park), Biergarten Restaurant (Epcot), The Wave…of American Flavors (Disney’s Contemporary Resort), and many others.
Just be aware that the discounts likely won’t be valid on certain dates: 4/17/22, 5/8/22, 5/30/22, 6/19/22, 7/4/22, and 9/5/22.
Discounts on tours and “recreation experiences”
15% off the non-discounted price of select guided tours at Walt Disney World Resort and the Disneyland Resort.
10% off the non-discounted price of select recreation experiences at Walt Disney World Resort.
Guided tours
The following is a list of guided tours that are included at the Disneyland Resort:
Walk in Walt’s Disneyland Footsteps (Guided Tour)
Disney’s Happiest Haunts Tour (offered seasonally)
“Holiday Time at Disneyland” Tour (offered seasonally)
The following is a list of guided tours that are included at Walt Disney World Resort:
Magic Kingdom Park
Disney’s Family Magic Tour
Disney’s Keys to the Kingdom Tour
Disney’s The Magic Behind Our Steam Trains Tour
Taste of Magic Kingdom® Park VIP Tour
Ultimate Disney Classics VIP Tour
Walt Disney: Marceline to Magic Kingdom Tour
Some of these tours like the Disney’s Family Magic Tour are only $39 so the savings are pretty modest. But other tours, such as the tour described below in the Animal Kingdom are much more expensive so the savings or more impressive.
Epcot
Gardens of the World (offered seasonally)
The UnDISCOVERed Future World Tour
Epcot Seas Adventures — Dolphins in Depth
Epcot Seas Adventures — Aqua Tours
Epcot Seas Adventures — DiveQuest
Behind the Seeds
World Showcase: DestiNations Discovered
Disney’s Animal Kingdom Theme Park
Wild Africa Trek
Savor the Savanna: Evening Safari Experience
Ultimate Night of Adventure VIP Tour
Just to give you an example of the savings here, the Wild Africa Trek tour is about $200 to $265 per person. With a 15% discount, that’s a savings of $40 per person.
So with the family of five, you’d be saving $200 total on a tour costing $265 per person. Not bad for simply having a debit card.
Multiple Theme Parks, Backstage Areas and Resort Hotels
Ultimate Day of Thrills VIP Tour
Ultimate Day for Young Families VIP Tour
Ultimate Day at Epcot International Food & Wine Festival
Ultimate Disney Classics VIP Tour
Ultimate Night of Adventure VIP Tour
Backstage Magic
Disney’s Holiday D-Lights Tour (offered seasonally)
Disney’s Yuletide Fantasy (offered seasonally)
Wilderness Back Trail Adventure
Recreation experiences
The following is a list of recreation experiences that are included at Walt Disney World Resort:
Carriage Rides at Disney’s Port Orleans Resort and Disney’s Fort Wilderness Resort & Campground
Horseback Trail Rides at Disney’s Fort Wilderness Resort & Campground
Tips for using these perks
Here are three things to always keep in mind when going for these discounts.
Always have your Chase debit card
Make sure that you always have your Chase debit card on hand because you may need to show it in order to take advantage of perks like the special photo opportunities.
Be sure to mention the discount
When using your Chase Disney debit card for the retail discounts be sure to mention that you are entitled to the discount due to your debit card.
Always check for exclusions
There are lots of exclusions for the merchandise discount such as ticket media, Disney Gift Cards, Park Admission, Arcades, tobacco, alcohol, Outdoor Vending (e.g., in-Park balloon vendors, glow vendors) and many others you can read about it the terms here.
Dining discount excludes alcoholic beverages, select new food and beverage offerings, merchandise, tobacco, room service, holiday buffets, tax and gratuity
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Is it free to get a custom Chase debit card?
Yes, Chase will issue you a custom debit card design for free.
How do I order a custom Chase debit card?
Simply call the phone number on the back of your debit card or call 1-800-935-9935. You can also go here to order your card online if you are a Chase customer.
The card should arrive within five to seven business days in an unmarked envelope. If you want to expedite your debit card and receive it within two business days you can do that but you’ll have to pay $5 for the expedited delivery fee.
Can I get custom Chase business debit card designs?
Chase does not currently offer custom business debit card designs so that it currently not an option.
Can I get Chase custom credit cards?
Chase also offers custom credit cards but not for most of their credit cards.
If you are going for some of their best rewards cards like the Chase Sapphire Preferred or Chase Sapphire Reserve, you’re not going to be able to customize those credit cards.
You also won’t be able to customize most of the co-branded credit cards like the Chase Southwest, Marriott, IHG, United, and other similar cards.
But, like you might expect, you can get custom Disney credit cards. Just like the debit cards, there are a lot of different options to choose from (10 unique designs).
You can get these custom cards with the Disney Premier Visa Card and the Disney Visa Card. The Disney cards aren’t the best travel rewards credit cards because they don’t come with the highest welcome bonuses or with the best bonus earning potential, so I’d consider other Chase cards (like the Sapphire Preferred or Sapphire Reserve) if you are truly interested in maximizing your travel rewards.
Final word
I would recommend anybody remotely interested in Disney to get a custom Chase debit card design. It’s free to do so and it can save you money on a lot of different types of Disney purchases and get you access to special photo opportunities. The cards also look pretty cool as well and can help your card stick out so that it’s easier to locate.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Safety deposit boxes can be smart ways to store some of your valuable belongings. However, they are not perfect by any means and are not designed to store all of your precious valuables. And when it comes to safety deposit boxes with Chase Bank there are some restrictions that you need to know.
In this article, I will tell you everything you need to know about Chase safety deposit boxes. I’ll cover things like the fees/prices, rules, locations, and also give you some tips on things to store and not store in your safety deposit box.
What exactly is a safety deposit box?
Just in case you need some clarification, a safety deposit box is a secure holding place where you can store certain belongings with a bank. These are typically stored in a secure area like a safe and are great for people looking for added security beyond storing something in a safe at home or resorting to things like midnight gardening.
Common items that are stored in a safety deposit box include:
Important paper contracts
Marriage certificates
Birth certificates
Special photographs
Valuable jewelry (you don’t wear often)
Valuable collection items
Deeds and titles
Stock and bond certificates
Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!
2022 Update [IMPORTANT]
Many customers have received a message like the following:
“We’re no longer renting new Safe Deposit Boxes. We want to let you know that we’re no longer renting new Safe Deposit Boxes. This doesn’t affect any boxes you may already rent with us today. If you have questions, please call the number at the top of this statement. We accept operator relay calls.”
Others have also received messages that all Chase safety deposit boxes will be canceled permanently. This will reportedly be a nationwide policy, although I don’t have verification yet. So if you have a Chase safety deposit box it will be a good idea to start looking at alternatives.
Does Chase offer safety deposit boxes?
Yes, you can lease a Chase safety deposit boxes for an annual fee. You will need to have a Chase bank account (like a checking) or be partnered with someone who does and the fee for the safety deposit box will likely be taken out of that account. If you need to search for Chase bank locations near you can do that here.
Update: Please note that this article is a review of the Chase safety deposit box policies. I am not directly affiliated with Chase and cannot respond to appointment inquiries. Do NOT post any personal information in the comments below.
If you would like to set up an appointment email: [no longer available]
Include: your full name, home zip code, branch name/address and your safe deposit box number. You will receive a confirmation email of a scheduled access appointment the following business day.
Appointments may be scheduled for Tuesdays and Thursdays 9:30-1:30PM only, on a first come first serve basis. Chase cannot accomodate same day or next day appointments.
What are the fees for Chase safety deposit boxes?
The fees for a safety deposit box with Chase are going to vary based on the location and size of your box.
Here are some sample prices:
3X5: $80
3X10: $140
5X10: $220
10X10: $350
Prices can differ
You should note that the prices can change and once again they will differ based on your location (they could be cheaper or more expensive). It is also possible that you could get a free safety deposit box if you open up the right type of bank account. For example, Chase Private Client members get a free safety deposit box. Chase Premier Plus Checking members also get free boxes.
You might be waitlisted
Some Chase bank locations may not have any safety deposit boxes available for you to rent. It is not uncommon for some banks to be completely booked up and so you might have to get on a waiting list. If that happens, you might want to shop around and check out a few different locations/branches to see which have available safety deposit boxes. You might also inquire with the banker to see if they can check availability for other branches if possible.
The lease time
Typically, you will probably be looking at a one-year lease time. You can terminate your lease agreement at any time but you likely will not be refunded.
Entering into a lease agreement for a safety deposit box creates a landlord tenant relationship. This can be significant for legal purposes so I would suggest to review your contract to see what the implications of this relationship are when it comes to things like access.
However, the lease does not create a bailor and bailee relationship between you and the Bank. This basically means that they are not responsible for anything that happens your belongings while in the possession.
Terms may state:
You assume all risks of injury, loss or damage of any kind (including but not limited to loss or damage due to fire, water, other mishap, robbery or burglary) arising out of the deposit of anything in the box, provided we have exercised ordinary care.
Chase safety deposit box rules
You will not be able to place any items that you wish and your safety deposit box. That is because the lease agreement will have specific exclusions for certain items. Below, I have pulled out some language from a lease agreement to give you some insight into what might be excluded. Please note that your individual lease agreement may have different language.
Money
With Chase you are not to use the box to store money, coin or currency unless it is of a collectable nature, and you assume all risks and hold the Bank harmless of any loss or alleged loss of said money, coin or currency.
So if you collect bullion for example, those collectible coins can be allowed in the safety deposit box. But if you are just trying to find a place to store something like Silver Eagles (recognized more as a type of currency) then a safety deposit box like this is probably not a good choice. This also means that you are not to store cash in your safety deposit box.
Dangerous items
You agree NOT to store any item that is inherently dangerous, including but not limited to:
Firearms, guns or ammunition
Other weapons even if such weapons are lawfully owned by you
Anything illegal to possess, or of a character or nature which we believe may injure the premises of the Bank, its employees or customers
Liquid, corrosive, pressurized, hazardous, or explosive materials such as dynamite, fireworks, flares, tear gas and self-defense sprays
Unlawful purpose
You will have to agree to not use your safety deposit box to store anything for an unlawful purpose. Chase can turn over any of your belongings to the government or to law-enforcement if they believe that you have violated their lease terms.
When can I access my safety deposit box?
You will be able to access your safety deposit box during normal business hours. In some cases this may mean a typical schedule of 9 AM a.m. to 5 PM p.m. Monday through Friday. Some locations might have weekend hours but it just will depend.
This is a big reason why they suggest not to include items that you might need in an emergency. For example, putting a passport, a power of attorney, medical directive, or something along those lines in a safety deposit box is normally not a good idea.
You should be aware that the lease agreement probably will have language that states that your access can be restricted. For example it states:
We can restrict access to your box for any reason, including but not limited to past due rent and fees, information we receive in court documents, our inability to obtain information that satisfies our “Know Your Customer” requirements, and any unexpected circumstances (natural or manmade)
You also can rent these boxes jointly so that you and someone else has equal access.
You should be able to appoint an agent (“deputy”) or Attorney in Fact (“AIF”) to have access to or surrender the box. I highly suggest that you look at the terms and conditions closely if you’re considering giving authority to someone on this basis. And it goes without saying but you obviously want to have a high level of trust with that individual.
In order to access the safety deposit box you will need to show your ID and access it in the presence of a bank agent.
Are my contents insured?
A big question that people have with safety deposit boxes is: Are my contents insured? When it comes to chase, at your contents inside the safety deposit box or not insured by the FDIC or Chase bank.
They state:
The contents of your safe deposit box are not protected against loss or damage under the insurance coverage maintained by the bank or Federal Deposit Insurance Corporation. For your protection, you may wish to secure your own insurance through an insurance company of your choice.
So it would be a good idea to seek out insurance options for your belongings. Remember, a natural disaster can strike anywhere and while your belongings are pretty secure in a vault, they will not be invincible. For that reason, some people like to put their belongings in a waterproof sealed case, bag, or container and then insert that into the safety deposit box.
It is also a very good idea to thoroughly document every single item in your safety deposit box. A great way to do this is to take high-quality photos of every item.
Final word
Chase safety deposit boxes are great ways to store your valuable belongings if you are okay with some of the disadvantages. This can be a great way to go especially if you have free access to them with the right type of Chase account.
Update: Please note that this article is a review of the chase safety deposit box policies. I am not directly affiliated with Chase and cannot respond to appointment inquiries.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
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